Call reports 2008
FIRST NORTHERN BANK AND TRUST COMPANY — 2008
What FIRST NORTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 568,607,000 | 570,533,000 | 573,399,000 | 579,640,000 |
| Total loans | 312,784,000 | 322,640,000 | 338,476,000 | 355,968,000 |
| Allowance for loan losses | 3,746,000 | 3,816,000 | 3,891,000 | 3,966,000 |
| Securities available for sale | 202,101,000 | 220,214,000 | 210,547,000 | 208,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,106,000 | 495,653,000 | 493,571,000 | 490,654,000 |
| Interest-bearing deposits | 417,389,000 | 418,786,000 | 414,984,000 | 411,699,000 |
| Noninterest-bearing deposits | 74,717,000 | 76,867,000 | 78,587,000 | 78,955,000 |
| Equity capital | 72,211,000 | 70,308,000 | 75,777,000 | 79,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,094,000 | 16,222,000 | 24,243,000 | 32,338,000 |
| Interest expense | 3,465,000 | 6,827,000 | 9,894,000 | 12,854,000 |
| Net interest income | 4,629,000 | 9,395,000 | 14,349,000 | 19,484,000 |
| Noninterest income | 455,000 | 925,000 | 1,428,000 | 1,921,000 |
| Noninterest expense | 3,111,000 | 6,289,000 | 9,461,000 | 13,138,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 312,000 |
| Pretax income | 1,895,000 | 3,878,000 | 6,085,000 | 8,087,000 |
| Income tax | 359,000 | 699,000 | 1,160,000 | 1,578,000 |
| Net income | 1,536,000 | 3,179,000 | 4,925,000 | 6,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,495,000 | 75,629,000 | 76,868,000 | 77,944,000 |
| Total capital | 78,241,000 | 79,445,000 | 80,759,000 | 81,910,000 |
| Risk-weighted assets | 344,966,000 | 347,153,000 | 345,952,000 | 351,215,000 |